Up to 4.15% APY: The 3 Best Long-Term CDs of October 2025
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The Federal Reserve recently projected a decline in interest rates through 2027 and beyond. That means today's high certificate of deposit (CD) rates will soon be gone -- and they won't return anytime soon.
The good news is that with our favorite long-term CDs, you can still earn a high APY for years to come. Here are four of the best long-term CDs available today.
1. Best 3-year CD: Synchrony Bank
For slightly longer-term CDs, Synchrony Bank's got you covered.
At the moment, you can earn 3.75% APY with a 3 Yr. Synchrony Online CD. That comes out to about $1,248 in earned interest on a $10,000 deposit.
We also love Synchrony Bank for its versatile portfolio of CDs with no minimum deposits, tons of term options, and perks like no-penalty and bump-up CDs. If you're looking for a wide range of CD options from a single provider, Synchrony Bank is absolutely worth a look.
Synchrony Online CD
On Synchrony Bank's Secure Website.
2. Best 5-year CD: Synchrony Bank
Synchrony Bank's also got one of the best 5 Yr. CDs on the market: Right now, you can earn 4.00% APY on your cash for the next half-decade.
If you put $10,000 into a 5 Yr. Synchrony Online CD today, you'd earn about $2,254 in interest. Not bad.
Ready to learn more? Check out all of Synchrony Bank's CD offerings today.
Synchrony Online CD
On Synchrony Bank's Secure Website.
3. Best 10-year CD: Discover® Bank
Looking for a high-earning CD with one of the longest term lengths out there? Look no further: Right now, Discover® Bank is offering a 10 Yr. CD with 3.50% APY.
That means with a $10,000 initial deposit, you can rack up about $4,105 in interest -- all for letting your money grow in a safe and secure CD.
Discover also offers a wide range of shorter-term CDs, starting at just 3 months and including term lengths of three, four, five, and seven years. For tons of flexibility on CDs of all lengths, Discover is another great choice.
Want to earn 3.50% for the next decade? Check out our full list of Discover® Bank CDs to open one today.
Discover® Bank CD
On Discover Bank's Secure Website.
Our Research Expert
Ryan Wilcox is a full-time Personal Finance Writer at Motley Fool Money, covering credit cards, bank accounts, investing, auto insurance, and other personal finance topics. Ryan has been writing about credit cards and savings since 2022. Before joining Motley Fool Money, he was a full-time writer at The Points Guy, where he focused on maximizing credit card rewards and travel strategies. He holds a bachelor’s degree in English and American History from the University of North Carolina at Chapel Hill, where he also spent four years reporting for The Daily Tar Heel. With a background in both journalism and consumer finance, he brings a clear and thoughtful voice to money topics. Outside of work, Ryan is likely reading, writing, or updating his Letterboxd account.
Annual Percentage Yield (APY) is subject to change at any time without notice. Offer applies to personal non-IRA accounts only. Fees may reduce earnings. For CD accounts, a penalty may be imposed for early withdrawals. After maturity, if your CD rolls over, you will earn the offered rate of interest in effect at that time. Visit synchrony.com/banking for current rates, terms and account requirements. Member FDIC.